Resale HDB grants in 2026: the trade-offs behind the S$230,000 headline
The S$230,000 figure only applies to first-timer couples who simultaneously hit the lowest EHG income band, buy a smaller flat, and live with or near parents, since the Family Grant, EHG, and Proximity Housing Grant are tiered against income, flat size, and location respectively, and optimising for one often reduces another. Most households can cleanly satisfy two of the three conditions but rarely all three at once, making the headline amount a rare ceiling rather than a typical outcome. Wider 2026 income ceilings and more resale flats reaching MOP expand who can attempt the stack, but do not resolve the underlying trade-offs between the schemes.
Sarah Chen·11 Sept 2026
